Home

Short Term Installment Loans in California

Compare options for personal loans from lenders in California from top personal loan lenders, serving both Northern and Southern California, helping borrowers with Good or Bad credit obtain a new personal loan. Whether you need cash for debt consolidation, emergency bills, medical expenses, home improvement projects or more, we have lenders ready to help you with a loan up to $50,000 or more. Learn more about obtaining a new online installment loan and get quick cash of $1,000 or more deposited into your account quickly. Find options from local and national lenders help borrowers with all credit profiles, even those with poor credit scores and no credit scores.

Loan options may include a potential peer to peer loan offer. Peer-to-peer lending (P2P) has become a major part of lending world in recent times. P2P lending companies such as Prosper.com and Lending Club provide borrowers an opportunity to get unsecured personal loans directly from the lenders at the interest rates that are much lower than the ones offered by traditional finance institutions such as banks. These P2P lending companies provide 1 and 5 year loans to the borrowers at a fixed interest rates. The interest rates offered are so attractive that many borrowers are now seeking to get peer-to-peer personal loans to pay out their high-interest credit card debts and expenses.

No Collateral Signature Based Loan Options in California

Signature and Unsecured Loans From Banks, Credit Unions and Peer to Peer Lenders

Unsecured Loan Offers – Online Social Lending Sites

Easy Approval Loans $1000 to $35,000 or More – Good or Bad Credit is OK

Cash Loans For Short Term Financial

Know Your Limits – Things To Consider Before Applying For a New Loan

Know how much you can handle. Many people make the mistake of overextending themselves and can’t make the payments when the time comes, or the end up spending the loan money irresponsibly. Borrow only what you need, because you really do need it. If you want the money because you’ve seen something that you just have to have then step back and consider how much it’s going to cost you in the long run. If you want the money because you have bills to pay and you’re down to your last time then get the loan.

Poor or Bad Credit is OK! Unsecured Loans Are Available For Borrowers in California

Two types of personal loans are available (secured and unsecured). With secured personal loans, you would need to provide a type of collateral, a piece of property that you can pledge for security. For example, you can put your house or your car as collateral. The loan amount that will be granted would be at the discretion of the lender, although you can get approved for up to 100% of your property’s current market value. The other type, which is the unsecured personal loan, can be obtained without a need to provide any collateral. Note that many secured loans may offer the potential for lower interest rates, and payment terms may be longer with this type of loan.

See Online Reviews From Borrowers Who Have Used Our Website To Find A New Loan

Credit Scores Can Impact Your Loan Approval Opportunities

Your FICO score is your reputation and without a good one a lender is unlikely to touch you. There are different ways you can go about improving your FICO score but basically these can be boiled down to having a good history with borrowing money in the past. If you have a history of late and missed payments or defaulting on loans then you are going to really struggle to even get the loan of a pen from one of these institutions. It is a good idea for you to become familiar with your credit report; that way you won’t be wasting your time by applying for loans you have no chance of getting. If your FICO score is low you should do all you can to improve it before applying for a loan.

We do not charge any fee or cost to submit a loan request on MercerCu.com. The APR on a personal loan from our network of lenders can range from 4.83% to 35.99%, with loan durations between 24 and 72 months. Other types of loans from our network may have higher APRs. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender, and to accept the loan agreement made directly between you and the lender. The lenders we work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan. Note that the third party’s privacy policy and security practices may differ from MercerCu.com standards. MercerCu.com assumes no responsibility, nor does it control, endorse or guarantee any aspect of your use of the linked site. Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender and partner must show you the APR before you enter into the loan. States have laws limiting the APR that the lender or partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lender or partners. We recommend you read the lender’s and partner’s personal terms and conditions in full before proceeding for a personal loan.